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October 2011

Protecting Your In-Home Business

Do you or someone you know operate a home-based business?  Most likely, the answer is yes.  Whether it’s an at-home daycare, direct sales or other service business, more than 43 million Americans are operating home-based businesses on a full- or part-time basis.   Many small business owners may be surprised that homeownersinsurance policies offer limited or no protection for home-based businesses. 

In fact, homeowners policies were never intended to cover business exposures. They provide very limited coverage for property. Generally, coverage for items used in a home-based business (computers, file cabinets, inventory, etc.) is limited to $2,500 in your home and $250 away from home under most policies. In addition,homeowners policies do not provide coverage for liability for running a business from home.  This means that if a person slips and falls when delivering a package for your business to your home, you will be out of luck unless you have insurance that specifically covers the business functions within your home.  

If you operate a home-based business, you’ll want to review your existing insurance policy and talk to an agent to determine the best options available that provide you and your business with appropriate coverage. Remember, Maschoff Insurance Agency is here to help meet your personal and business insurance needs.

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